I wonder how much personally identifying information these payment processors also get from individual transactions in order to comply with the Banking Secrecy Act of 1970 (which you may have heard of because of Biden's amendment to it to lower mandatory transaction reporting minimums to any financial transaction involving a transfer of $10,000 or more, in a single or aggregate transactions). To comply fully with the BSA the financial institutions handling the transactions must collect and send in as part of a Currency Transaction Report (CTR), which also gets filed by the processor handling the transaction, from my understanding because they are classified as Money Service Businesses (MSBs in the BSA).
Obviously you can see how collecting that information would enable them to proactively block you from using their network as part of that information is your tax ID number/social security number, IP addresses, and other personally identifying information which they then store to connect future transactions or attempted transactions. They use this information as part of Know Your Customer (KYC) data, which I believe they share between each other and possibly with World-Check (the global KYC financial database which contains a master list of more than 3 million groups, businesses, organizations, and individuals deemed to be reputational risks for one reason or another and essentially barred from accessing financial services).
It honestly seems to suck fat dick to be on that list or on the list compiled by the US government as part of Operation Choke Point (
an on-going government financial operation designed to 'choke off' access to financial services for individuals or organizations linked to certain industries like crypto, drugs, etc and which some people have alleged is used to target people for political reasons), which seems to have even more nebulously defined criteria.
I found
this legal review of reputational risk from Julie Anderson Hill, dean of the University of Wyoming College of Law, while looking for more information; which has a lot of links to additional information and legal resources related to the topic.
Seemingly, your only recourse would be to use either the Consumer Finance Protection Bureau's appeal system or the Equal Credit Opportunity Act of 1974 (ECOA) to make a legal appeal, the glaring oversight of the latter being that political affiliation or political reasons are not expressly enumerated as a reason to make an appeal for alleged political debanking (approved reasons including race, color, religion, national status, sex, age, marital status, receipt of federal assistance, and exercise of rights enumerated under the Consumer Credit Protection Act). ECOA seems to only apply in case of credit, so I'm not even sure you could leverage it for your purposes.
It might behoove you to establish some sort of definitive business link in a particularly influential judicial circuit like NY or CA (which you could arguably do, since your business is on-line, but having a more definitive link might strengthen a claim) and file a request for investigation from the state attorney general (there are certain states that actually do have banking laws which offer limited protection for speech (I mention CA specifically because of the Unruh Civil Rights Act), but you'll obviously need to consult with an attorney to determine if that is even a worthwhile avenue to pursue.
Good luck.
